{"id":17652,"date":"2025-02-15T11:00:00","date_gmt":"2025-02-15T05:30:00","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=17652"},"modified":"2025-02-15T09:30:37","modified_gmt":"2025-02-15T04:00:37","slug":"sbi-basic-savings-account-sbi-bsbda-account","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/","title":{"rendered":"SBI Basic Savings Account (SBI BSBDA Account): Complete Guide"},"content":{"rendered":"\n<p>The SBI Basic Savings Account (SBI BSBDA Account) is a savings account that allows individuals to save money without worrying about maintaining a minimum balance. This account is primarily aimed at the economically weaker sections of society, helping them develop a habit of saving without the burden of extra charges or fees.<\/p>\n\n\n\n<p>With simple eligibility criteria and easy access at all SBI branches, the SBI BSBDA Account is an ideal choice for those looking for a hassle-free banking experience. Whether you are a student, senior citizen, or daily wage worker, this account provides essential banking services without additional costs. Let\u2019s explore the details in the blog.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-what-is-an-sbi-bsbda-account\" data-level=\"2\">What is an SBI BSBDA Account?<\/a><ul><li><a href=\"#h-features-of-sbi-bsbda-account\" data-level=\"3\">Features of SBI BSBDA Account<\/a><\/li><\/ul><\/li><li><a href=\"#h-interest-rates-on-sbi-basic-savings-account\" data-level=\"2\">Interest Rates on SBI Basic Savings Account<\/a><\/li><li><a href=\"#h-eligibility-criteria-for-sbi-basic-savings-account\" data-level=\"2\">Eligibility Criteria for SBI Basic Savings Account<\/a><\/li><li><a href=\"#h-how-to-open-an-sbi-basic-savings-account\" data-level=\"2\">How to Open an SBI Basic Savings Account?<\/a><\/li><li><a href=\"#h-documents-required-to-open-sbi-bsbda-account\" data-level=\"2\">Documents Required to Open SBI BSBDA Account<\/a><\/li><li><a href=\"#h-service-charges-and-free-banking-services\" data-level=\"2\">Service Charges and Free Banking Services<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-sbi-bsbda-account\"><span id=\"what-is-an-sbi-bsbda-account\">What is an SBI BSBDA Account?<\/span><\/h2>\n\n\n\n<p>The SBI Basic Savings Bank Deposit Account (BSBDA) is a no-frills savings account that offers basic banking services free of cost. It ensures financial inclusion by allowing individuals to save money without the need to maintain a minimum balance.&nbsp;<\/p>\n\n\n\n<p>Additionally, customers benefit from features such as ATM withdrawals, electronic transactions, and cheque deposits without incurring any service charges.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-features-of-sbi-bsbda-account\"><span id=\"features-of-sbi-bsbda-account\">Features of SBI BSBDA Account<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Available at all SBI branches \u2013<\/strong> Customers can open and operate their SBI BSBDA Account at any branch nationwide.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No Minimum Balance Requirement \u2013<\/strong> Unlike regular savings accounts, this account does not require customers to maintain a minimum balance.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No Maximum Balance Limit \u2013<\/strong> There is no upper limit on the amount that can be deposited into this account.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No Cheque Book Facility \u2013<\/strong> Withdrawals are done using a withdrawal form at branches or through ATMs within the <a href=\"https:\/\/fly.finance\/blog\/student-account\/sbi-cash-withdrawal-limits-daily-monthly-otp-rules\/\"><strong>SBI cash withdrawal limits<\/strong><\/a>.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Basic RuPay ATM-cum-Debit Card \u2013<\/strong> A free debit card is issued to facilitate cash withdrawals and transactions.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Limited Free Transactions \u2013<\/strong> Account holders can make up to four free cash withdrawals per month, including ATM and branch transactions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interest-rates-on-sbi-basic-savings-account\"><span id=\"interest-rates-on-sbi-basic-savings-account\">Interest Rates on SBI Basic Savings Account<\/span><\/h2>\n\n\n\n<p>The SBI Basic Savings Account (SBI BSBDA Account) offers interest on the balance maintained in the account. The interest rate is determined based on the amount deposited in the account and follows the standard savings account interest rate structure of the State Bank of India (SBI).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>For balances less than INR 10 crore \u2013<\/em> The applicable interest rate is 2.70% per annum.<\/li>\n\n\n\n<li><em>For balances of INR 10 crore or more \u2013<\/em> The interest rate increases to 3.00% per annum.<\/li>\n<\/ul>\n\n\n\n<p>The interest is calculated daily based on the balance in the account and is credited at regular intervals, ensuring that customers earn returns on their savings while enjoying the benefits of a zero-balance account.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Explore a <\/strong><a href=\"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/\"><strong>list of banks in India offering zero balance accounts<\/strong><\/a><strong>. Open an account with no minimum balance requirement and enjoy free features.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-for-sbi-basic-savings-account\"><span id=\"eligibility-criteria-for-sbi-basic-savings-account\">Eligibility Criteria for SBI Basic Savings Account<\/span><\/h2>\n\n\n\n<p>SBI BSBDA account is ideal for individuals looking for a simple, accessible, and zero-balance banking solution. To open an SBI Basic Savings Account (SBI BSBDA Account), individuals must meet the following eligibility criteria:<\/p>\n\n\n\n<p><strong>Valid KYC Documents \u2013<\/strong> Any individual possessing valid Know Your Customer (KYC) documents can open this account.<\/p>\n\n\n\n<p><strong>Ownership Options \u2013<\/strong> The account can be held:<br>&#8211; Single (individual account holder)<br>&#8211; Jointly (more than one account holder)<\/p>\n\n\n\n<p><strong>With survivorship options such as:<\/strong><br>&#8211; Either or Survivor \u2013 Any one of the account holders can operate the account, and in case of the demise of one, the other retains full access.<\/p>\n\n\n\n<p>&#8211; Former or Survivor \u2013 The primary account holder operates the account during their lifetime, and only upon their demise, the secondary holder gain access.<\/p>\n\n\n\n<p>&#8211; Anyone or Survivor \u2013 Any one of the account holders can operate the account at any time.<\/p>\n\n\n\n<p><strong>KYC Requirements<\/strong><br>To ensure compliance with banking regulations, the SBI Basic Savings Account must be fully KYC-compliant. Customers must provide valid proof of identity and address while opening the account.<\/p>\n\n\n\n<p>Customers must also fulfil the following conditions-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An individual cannot have any other savings account in SBI if they hold an SBI BSBDA Account. If an existing savings account exists, it must be closed within 30 days of opening the BSBDA account.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Customers are allowed only four free withdrawals per month, including ATM withdrawals, branch transactions, and AEPS cash transactions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-open-an-sbi-basic-savings-account\"><span id=\"how-to-open-an-sbi-basic-savings-account\">How to Open an SBI Basic Savings Account?<\/span><\/h2>\n\n\n\n<p>Opening an SBI Basic Savings Account (SBI BSBDA Account) is a simple and hassle-free process. You can either visit the nearest branch or apply online via the official website or the SBI YONO app. Customers can choose from multiple methods based on their convenience.<\/p>\n\n\n\n<p>Check out the methods and the steps to open an <a href=\"https:\/\/fly.finance\/blog\/student-account\/sbi-zero-balance-account\/\"><strong>SBI zero balance account online<\/strong><\/a>&#8211;<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Visit the Nearest SBI Branch<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collect the account opening form.<\/li>\n\n\n\n<li>Fill in the required details.<\/li>\n\n\n\n<li>Submit valid KYC documents (Aadhaar Card, PAN Card, Voter ID, etc.).<\/li>\n\n\n\n<li>Provide recent passport-size photographs.<\/li>\n\n\n\n<li>Submit the form for verification and approval.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Online Application via SBI Website<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit the official SBI website.<\/li>\n\n\n\n<li>Navigate to the savings account section and select \u2018Basic Savings Account\u2019.<br>Fill out the online application form.<\/li>\n\n\n\n<li>Upload the necessary KYC documents.<\/li>\n\n\n\n<li>Visit the branch for final verification and document submission.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Through the SBI YONO App<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Download and install the SBI YONO app.<\/li>\n\n\n\n<li>Register and log in with your mobile number.<\/li>\n\n\n\n<li>Select the \u2018Open Account\u2019 option and choose \u2018Basic Savings Account\u2019.<\/li>\n\n\n\n<li>Upload KYC documents digitally.<\/li>\n\n\n\n<li>Visit the branch for verification and activation of the account.<\/li>\n<\/ul>\n\n\n\n<p>Once the application is processed and verified, the account will be activated, and the account holder will receive their RuPay ATM-cum-Debit Card for transactions.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Discover the <\/strong><a href=\"https:\/\/fly.finance\/blog\/student-budget\/sbi-yono-cash-windrawal-limits\/\"><strong>SBI YONO cash withdrawal limits<\/strong><\/a><strong>. Learn about the maximum and minimum limits for withdrawing cash.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required-to-open-sbi-bsbda-account\"><span id=\"documents-required-to-open-sbi-bsbda-account\">Documents Required to Open SBI BSBDA Account<\/span><\/h2>\n\n\n\n<p>Opening an SBI Basic Savings Account (SBI BSBDA Account) requires a few essential documents. Providing these documents ensures a smooth account opening process, allowing individuals to start using their SBI BSBDA Account without delays.<\/p>\n\n\n\n<p>Applicants must provide the following documents to open a basic savings account with SBI-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Filled-in Account Opening Form (AOF) \u2013<\/strong> The completed application form provided by SBI.<\/li>\n\n\n\n<li><strong>Coloured Passport-Size Photographs (2 copies) \u2013<\/strong> Recent photographs for verification.<\/li>\n\n\n\n<li><strong>Valid KYC Documents \u2013 <\/strong>As stated in the account opening form, such as an Aadhaar Card, PAN Card, Voter ID, Passport, and Driving License.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Information to be Provided:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KYC Information \u2013 Proof of identity and address verification.<\/li>\n\n\n\n<li>Type of Savings Account Required \u2013 Specify the account type as SBI BSBDA.<\/li>\n\n\n\n<li>Form 60 \/ PAN Number \u2013 PAN details or Form 60 (if PAN is not available).<\/li>\n\n\n\n<li>Form DA-1 (Optional) \u2013 For making a nomination in the account.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-service-charges-and-free-banking-services\"><span id=\"service-charges-and-free-banking-services\">Service Charges and Free Banking Services<\/span><\/h2>\n\n\n\n<p>One of the biggest advantages of the SBI Basic Savings Account is the waiver of service charges on several banking services:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Free RuPay ATM-cum-Debit Card \u2013<\/strong> No issuance or annual maintenance charges.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No charges on electronic payments \u2013<\/strong> Transactions through NEFT\/RTGS are completely free.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Free cheque deposit services \u2013<\/strong> Customers can deposit or collect cheques drawn by the Central\/State Government free of charge.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No charges for inoperative accounts \u2013<\/strong> If an account remains inactive for a long period, it can be reactivated without any penalty.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No account closure fees \u2013<\/strong> Customers can close their SBI BSBDA Account anytime without incurring any charges.<\/li>\n<\/ul>\n\n\n\n<p>The SBI Basic Savings Account (SBI BSBDA Account) is a great option for individuals looking for a zero-balance savings account with essential banking features. It promotes financial inclusion by offering free services and eliminating unnecessary banking charges.&nbsp;<\/p>\n\n\n\n<p>Whether you\u2019re opening your first bank account or looking for a simple banking solution, the SBI BSBDA Account is a reliable choice. Visit your nearest SBI branch today and take the first step towards secure and hassle-free banking!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1739591763258\"><strong class=\"schema-faq-question\">What is an SBI BSBDA account?<\/strong> <p class=\"schema-faq-answer\">The SBI Basic Savings Bank Deposit Account (BSBDA) is a zero-balance savings account. It offers essential banking services without any maintenance charges. Individuals save money without worrying about minimum balance requirements.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591765080\"><strong class=\"schema-faq-question\">Is an SBI zero balance account available?<\/strong> <p class=\"schema-faq-answer\">Yes, the SBI BSBDA Account is a zero-balance account, meaning customers are not required to maintain a minimum balance.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591765634\"><strong class=\"schema-faq-question\">What are the features of the SBI Basic Savings Account (BSBDA)?<\/strong> <p class=\"schema-faq-answer\">&#8211; No minimum balance requirement<br\/>&#8211; No upper limit on deposits<br\/>&#8211; Free RuPay ATM-cum-Debit Card<br\/>&#8211; Four free withdrawals per month<br\/>&#8211; No chequebook facility<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591766033\"><strong class=\"schema-faq-question\">What is the interest earned on SBI Basic Savings Account?<\/strong> <p class=\"schema-faq-answer\">&#8211; For balances less than INR 10 crore \u2013 2.70% per annum<br\/>&#8211; For balances of INR 10 crore or more \u2013 3.00% per annum<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591766490\"><strong class=\"schema-faq-question\">Who is eligible to open an SBI BSBDA Account?<\/strong> <p class=\"schema-faq-answer\">Any individual with valid KYC documents can open an SBI BSBDA Account. It can be held singly, jointly, or under survivorship options like Either or Survivor, Former or Survivor, Anyone or Survivor.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591767165\"><strong class=\"schema-faq-question\">What is the minimum balance in SBI Basic Savings Account?<\/strong> <p class=\"schema-faq-answer\">There is no minimum balance requirement for this account.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591841958\"><strong class=\"schema-faq-question\">How to open a BSBDA Account in SBI?<\/strong> <p class=\"schema-faq-answer\">Customers can open an SBI BSBDA Account by visiting the nearest branch, applying online via the SBI website, or using the SBI YONO App.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591842567\"><strong class=\"schema-faq-question\">What is the SBI Zero Balance Account opening online process?<\/strong> <p class=\"schema-faq-answer\">&#8211; Visit the SBI official website or the SBI YONO App<br\/>&#8211; Select \u2018Basic Savings Account\u2019<br\/>&#8211; Fill out the online application form<br\/>&#8211; Upload KYC documents<br\/>&#8211; Visit the branch for final verification<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591843193\"><strong class=\"schema-faq-question\">What is the SBI Zero Balance Account withdrawal limit per month?<\/strong> <p class=\"schema-faq-answer\">Customers are allowed four free withdrawals per month within the <a href=\"https:\/\/fly.finance\/blog\/student-account\/bsbda-account-limits-and-transaction-restrictions\/\"><strong>BSBDA account limits<\/strong><\/a>, including ATM withdrawals, branch transactions, and AEPS cash transactions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739591844281\"><strong class=\"schema-faq-question\">What are the free services available with SBI Basic Savings Account?<\/strong> <p class=\"schema-faq-answer\">&#8211; Free RuPay ATM-cum-Debit Card with no annual maintenance charges<br\/>&#8211; Free NEFT\/RTGS transactions<br\/>&#8211; Free cheque deposit services for government-issued cheques<br\/>&#8211; No charges for inactive accounts or account closure<\/p> <\/div> <\/div>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex<\/strong>,<\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a 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c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-twitter  wp-block-social-link\"><a href=\"https:\/\/twitter.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M22.23,5.924c-0.736,0.326-1.527,0.547-2.357,0.646c0.847-0.508,1.498-1.312,1.804-2.27 c-0.793,0.47-1.671,0.812-2.606,0.996C18.324,4.498,17.257,4,16.077,4c-2.266,0-4.103,1.837-4.103,4.103 c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The SBI Basic Savings Account (SBI BSBDA Account) is a savings account that allows individuals to save money without worrying about maintaining a minimum balance. This account is primarily aimed at the economically weaker sections of society, helping them develop a habit of saving without the burden of extra charges or fees. With simple eligibility &#8230; <a title=\"SBI Basic Savings Account (SBI BSBDA Account): Complete Guide\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/\" aria-label=\"Read more about SBI Basic Savings Account (SBI BSBDA Account): Complete Guide\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":17653,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-17652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-account"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SBI Basic Savings Account<\/title>\n<meta name=\"description\" content=\"Explore the SBI Basic Savings Account and enjoy convenient banking 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Finance"},"image":{"@id":"https:\/\/fly.finance\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fly.finance\/blog\/#\/schema\/person\/1f13adc00f6f67e7ed5a2fb5e97bfec6","name":"Shubhika Garg","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","caption":"Shubhika Garg"},"description":"Hey there! I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591763258","position":1,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591763258","name":"What is an SBI BSBDA account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The SBI Basic Savings Bank Deposit Account (BSBDA) is a zero-balance savings account. It offers essential banking services without any maintenance charges. Individuals save money without worrying about minimum balance requirements.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591765080","position":2,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591765080","name":"Is an SBI zero balance account available?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, the SBI BSBDA Account is a zero-balance account, meaning customers are not required to maintain a minimum balance.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591765634","position":3,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591765634","name":"What are the features of the SBI Basic Savings Account (BSBDA)?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- No minimum balance requirement<br\/>- No upper limit on deposits<br\/>- Free RuPay ATM-cum-Debit Card<br\/>- Four free withdrawals per month<br\/>- No chequebook facility","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591766033","position":4,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591766033","name":"What is the interest earned on SBI Basic Savings Account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- For balances less than INR 10 crore \u2013 2.70% per annum<br\/>- For balances of INR 10 crore or more \u2013 3.00% per annum","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591766490","position":5,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591766490","name":"Who is eligible to open an SBI BSBDA Account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Any individual with valid KYC documents can open an SBI BSBDA Account. It can be held singly, jointly, or under survivorship options like Either or Survivor, Former or Survivor, Anyone or Survivor.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591767165","position":6,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591767165","name":"What is the minimum balance in SBI Basic Savings Account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"There is no minimum balance requirement for this account.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591841958","position":7,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591841958","name":"How to open a BSBDA Account in SBI?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Customers can open an SBI BSBDA Account by visiting the nearest branch, applying online via the SBI website, or using the SBI YONO App.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591842567","position":8,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591842567","name":"What is the SBI Zero Balance Account opening online process?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- Visit the SBI official website or the SBI YONO App<br\/>- Select \u2018Basic Savings Account\u2019<br\/>- Fill out the online application form<br\/>- Upload KYC documents<br\/>- Visit the branch for final verification","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591843193","position":9,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591843193","name":"What is the SBI Zero Balance Account withdrawal limit per month?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Customers are allowed four free withdrawals per month within the <a href=\"https:\/\/fly.finance\/blog\/student-account\/bsbda-account-limits-and-transaction-restrictions\/\"><strong>BSBDA account limits<\/strong><\/a>, including ATM withdrawals, branch transactions, and AEPS cash transactions.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591844281","position":10,"url":"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/#faq-question-1739591844281","name":"What are the free services available with SBI Basic Savings Account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- Free RuPay ATM-cum-Debit Card with no annual maintenance charges<br\/>- Free NEFT\/RTGS transactions<br\/>- Free cheque deposit services for government-issued cheques<br\/>- No charges for inactive accounts or account closure","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=17652"}],"version-history":[{"count":1,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17652\/revisions"}],"predecessor-version":[{"id":17654,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17652\/revisions\/17654"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/17653"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=17652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=17652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=17652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}